UPI TPV v2 Integration

The Collect Payment API (v2 Payment API) is used along with beneficiaryDetails object included in additionalInfo JSON object.

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Note:

You must use the additionalInfo.txnFlow must be set to nonseamless for PayU Hosted Checkout.

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Reference:

To handle redirect URLs (surl and furl), refer to Handling the Redirect URLs.

Environment
Request header
ParameterDescription
dateThe current date and time. For example, format of the date is Wed, 28 Jun 2023 11:25:19 GMT.
authorizationThe actual HMAC signature generated using the specified algorithm (sha512) and includes the hashed data. For more information, refer to authorization fields description.

authorization fields description

FieldDescription
usernameRepresents the username or identifier for the client or merchant, for example smsplus.
algorithmUse SHA512 algorithm for hashing and send this as header value.
headersSpecifies which headers have been used in generating the hash, for example date.
signatureThe HMAC signature generated using the specified algorithm. For more information, refer to hashing algorithm.

hashing algorithm

You must hash the request parameters using the following hash logic:

Hash logic: sha512(<Body data> + '|' + date + '|' + merchant_secret)

Where <Body data> contains the request body posted with the request.

Sample header code
var merchant_key = 'smsplus';
var merchant_secret = 'izF09TlpX4ZOwmf9MvXijwYsBPUmxYHD';
// date
var date = new Date();
date = date.toUTCString();

// authorization
var authorization = getAuthHeader(date);

function getAuthHeader(date) {
    var AUTH_TYPE = 'sha512';
    var data = isEmpty(request['data']) ? "" : request['data'];
    var hash_string = data + '|' + date + '|' + merchant_secret;
    var hash = CryptoJS.SHA512(hash_string).toString(CryptoJS.enc.Hex);
    return `hmac username="${merchant_key}", algorithm="${AUTH_TYPE}", headers="date", signature="${hash}"`;
}
Request body
Parameter Description Example
accountId
mandatory
Merchant key provided by PayU. Character limit: 50 "smsplus"
txnId
mandatory
Unique transaction ID for the transaction. Character limit: 50 "REF_123456789"
paymentMethod
mandatory
Net Banking payment method details. See paymentMethod object {"name": "UPI", "bankCode": "UPI"}
order
mandatory
Order details containing product information and pricing. See order object {"productInfo": "Net Banking Payment", "paymentChargeSpecification": {"price": 10000.00}}
billingDetails
mandatory
Customer billing information. See billingDetails object {"firstName": "John", "email": "[email protected]", "phone": "9876543210"}
callBackActions
optional
Callback URLs for different payment outcomes. See callBackActions object {"successAction": "https://merchant.com/success", "failureAction": "https://merchant.com/failure"}
additionalInfo
mandatory
Additional transaction parameters including flow type. Refer to additionalInfo object {"txnFlow": "seamless", "enforcePaymethod": "NB"}
beneficiaryDetail
mandatory
Beneficiary account details for Net Banking transfer. See beneficiaryDetail object {"beneficiaryName": "Merchant Account", "beneficiaryAccountNumber": "1234567890", "beneficiaryAccountType": "SAVINGS"}
paymentMethod Object
ParameterData TypeRequiredDescription
nameStringYesPayment method type. Must be set to "UPI". Character limit: 10
bankCodeStringYesBank code for the selected bank. Character limit: 10. Refer to Bank codes for TPV
order Object
Parameter Description Example
productInfo
mandatory
Product details. Product details
orderedItem
optional
Details about the items ordered. Array of Objects
userDefinedFields
optional
Custom fields for additional information. Fields: udf1, udf2, udf3, udf4, udf5, udf6, udf7, udf8, udf9, udf10. For more information, refer to Object
paymentChargeSpecification
mandatory
Includes amount and charges. For more information, refer to paymentChargeSpecification object fields description Object
paymentChargeSpecification object fields description
Parameter Description Example
price
mandatory
The transaction amount. 1000
netAmountDebit
optional
Net amount to be debited. 1000
taxSpecification
optional
Tax details of the product/order. Object
convenienceFee
optional
Fees format (e.g., CC:12). CC:12
offers
optional
Offers applied or available for the payment. Object
userDefinedFields object fields description
FieldDescription
udf1User defined field.
udf2User defined field.
udf3User defined field.
udf4User defined field.
udf5User defined field.
udf6User defined field.
udf7User defined field.
udf8User defined field.
udf9User defined field.
udf10User defined field.
billingDetails Object
Parameter Description Example
firstName
mandatory
First name of the billing contact. Ashish
lastName
optional
Last name of the billing contact. Kumar
address1
mandatory
Primary billing address. 123 Main Street
address2
optional
Secondary billing address. Apt 4B
phone
optional
Phone number of the billing contact. 9123456789
email
mandatory
Email address of the billing contact. [email protected]
city
optional
City of the billing address. Bharatpur
state
optional
State of the billing address. Rajasthan
country
optional
Country of the billing address. India
zipCode
optional
Postal/Zip code of the billing address. 321028
callBackActions Object
Parameter Description Example
successAction
mandatory
URL to be called on payment success. https://example.com/success
failureAction
mandatory
URL to be called on payment failure. https://example.com/failure
cancelAction
mandatory
URL to be called if user cancels the payment. https://example.com/cancel
codAction
optional
URL for Cash on Delivery (COD) action. https://example.com/cod
additionalInfo Object
Parameter Description Example
enforcePaymethod
optional
Force a transaction with a specified method. For TPV, it is NetBanking. 60
createOrder
optional
A flag to store the order details (true/false). true
txnS2sFlow
optional
For defining seamless/non-seamless flows in handling payments. nonseamless

vpa
mandatory for UPI

String UPI handle of the customer.

test@payu

beneficiaryDetail object
Parameter Description Example
beneficiaryName
mandatory
String Name of the beneficiary account holder. Character limit: 100 "Merchant Account"
beneficiaryAccountNumber
mandatory
String Bank account number of the beneficiary. Character limit: 50 "1234567890"
beneficiaryAccountType
mandatory
String Type of beneficiary account (e.g., "SAVINGS", "CURRENT"). Character limit: 20 "SAVINGS"
Sample request
curl --location 'https://apitest.payu.in/v2/payments' \
--header 'date: Thu, 27 Mar 2025 10:12:27 GMT' \
--header 'authorization: hmac username="smsplus", algorithm="sha512", headers="date", signature="ec84843a663143bb89391f6fa2d4b9404bab1543a3eee81263b4a507ebf5d289d8fad1fbcdd59da820951e3e0f9b0b0b3d1bad9b41338804e7c42a8a6197c6e9"' \
--header 'Content-Type: application/json' \
--data-raw '{
    "accountId": "smsplus",
    "referenceId": "b5f2d8785768087678fn4",
    "amount": 10,
    "currency": "INR",
    "paymentSource": "WEB",
    "paymentMethod": {
        "name": "UPI",
        "bankCode": "UPI"
    },
    "order": {
        "productInfo": "UPI Payment for Order",
        "userDefinedFields": {
            "udf1": "",
            "udf2": "",
            "udf3": "",
            "udf4": "",
            "udf5": "",
            "udf6": "",
            "udf7": "",
            "udf8": "",
            "udf9": "",
            "udf10": ""
        },
        "paymentChargeSpecification": {
            "price": "10.00"
        }
    },
    "additionalInfo": {
          "txnFlow": "seamless",
       "createOrder": true,
       "txnS2sFlow": "2",
        "vpa": "test@payu"

    },
    "callBackActions": {
        "successAction": "https://yoursite.com/success",
        "failureAction": "https://yoursite.com/failure",
        "cancelAction": "https://yoursite.com/cancel"
    },
    "billingDetails": {
        "firstName": "John",
        "lastName": "Doe",
        "phone": "9876543210",
        "email": "[email protected]",
        "city": "Mumbai",
        "state": "Maharashtra",
        "country": "India",
        "zipCode": "400001"
    }
}'
Response parameters
Parameter Description

referenceId

This parameter contains the reference ID of the transaction.
statusCode

paymentId

This parameter contains the payment ID of the transaction.
statusCode

message

This parameter contains the status message of the transaction.

Sample response
{
  "result": {
    "checkoutUrl": "https://pp78secure.payu.in/_payment_options?mihpayid=<mihpayuid>&userToken="
  },
  "status": "PENDING"
}
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Reference:

To check the transaction status, refer to Verify Payment API.


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Reference:

To check the transaction status, refer to Verify Payment API.